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Homebird

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About Homebird

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  1. These prices don't surprise me one bit.The prices have been ridiculous in Pembs since everything took off in the late 90's.The selling has continued in earnest despite the average local wage...The people who have been buying are: * People from outside the area with money to burn after making a killing in more lucrative parts of the UK.They may be buying for themselves (holiday homes) or for lets (same).Also LOADS of development still going on conversion-wise (i.e. barns, outbuildings) - usually out-of-area money.Will this slow in the next year or two with the talk of recession? * Locals who have also made a killing on homes they purchased 10 - 15 years ago or more, who have seen their investment triple, quadraple or more * Those who have inherited wealth (local or otherwise) The unlucky ones are everyone else.I know lots of local people who haven't got a cat in hells chance of buying at current prices, and I hope for their sake this madness stops.
  2. You have asserted that your post is 'serious' but it doesn't seem so.It sounds like your 'friend' is embracing the rise of the surveillance culture, where we'll all end up micro-chipped and with our DNA on a database...Perhaps he/she might welcome the introduction of a law requiring landlords and tenants to scrutinse each others' medical records prior to agreeing a contract?Or those of the person that serves him/her in the shop?Or most helpfully, he/she could seek treatment for a raging paranoid personality disorder that leads him/her to snoop in peoples' personal mail unlawfully?
  3. The letter went off yesterday, so hopefully written confirmation will do the trick.As for leaving the house empty, your info has surprised me but sounds feasible, especially thinking about long holidays etc.Even if a tenant was to go back for 1 weekend in the middle of a good few weeks away, this would surely satisfy any conditions written into the tenancy?Thanks again.
  4. Thanks for your reply.Can you explain what you mean about the 2 weeks thing being rubbish though?If we went away for up to 4 weeks leaving the house empty, for example, would that break the contract?I know this definitely affects house insurance, and thought it also applied to tenancy agreements too (sure I've seen it written into some?)
  5. If the inflation madness stops, great.Are we meant to feel sorry for landlords when most people starting out these days can't even afford their first starter home?
  6. My partner and I signed a tenancy agreement which we want to end 1 month early as will be moving to another part of the UK.Our landlord has agreed to us moving out on the date suggested and has confirmed willingness to be flexible.This has been helped by the fact that I offered to find new tenants as a courtesy, as my landlord lives out of the area. Several people have asked me why I'm bothering to do this as they say all I have to do is give notice...This has now planted the seeds of doubt.Doing a bit of research, I now understand that with certain tenancies, I may actually be obliged to do so or be liable for the rent for the whole tenancy period.We can't afford to do this, and even if we could cover the rent, wouldn't this be breaking a tenancy agreement if we moved away early anyway, as I understand you're not meant to leave a rented property empty for longer than a 2 week period??? I'm going to serve a notice of termination of contract which confirms the landlord's agreement, but does anyone have any other thoughts on how I should proceed with this situation?If anyone has any ideas for how I could word the notice of termination letter (nicely, as we have a very good relationship with our landlord at present!), that would also be great.
  7. Lord love a duck don't you realise how patronising you are?You must be unsufferable to know. Why don't you stop whinging and take a stand then?It may be a few years before the NHS goes down the pan, why wait?Stop paying the NHS contribution component of your NI and say you've already covered by private healthcare insurance.If (elderly) conscientious objectors can do the same in objecting to paying for the arms/military budget, you could do the same with health...Somehow I doubt you would be prepared to do this though. I wouldn't be so confident about the private health sector either.The NHS often mops up after (and pays for) the mistakes private healthcare providers make, (including filthy equipment, and inadequate treatment/operations that go wrong).And ironically, it's the NHS who train the medical personnel that go into the private sector, not the private sector itself.And despite all this, profits go to shareholders - not service development.
  8. Absolutely spot on. Even truer, and don't we like to prove it on this site?Witness the following: Perhaps you'd like to try living in a country with a private health care system where they ask for your insurance details before scooping you into an ambulance/shipping you to a charity hospital, and then compare the value offered by public health organisations?Or perchance, a country where there really is NO help available, whether you're sick or dying.
  9. I absolutely agree with your sentiments HovelinHove, and a couple of the other posters on this thread.The phrase 'life is too short' is a cliche but also a reality - we have 70+ years on this earth if we're lucky.To spend that entire time forever chasing property/financial success seems a bit pointless and is definitely unlikely to enhance our QOL.There's nothing wrong with ambition but it can become obsession, with an unhappy end result: there's always going to be something 'better'.We're all interested in the economy and housing otherwise we wouldn't be contributing to this site, but it's obvious that the priority HPC-ers place on this varies enormously.
  10. Am I alone in thinking I'm glad I don't have a 'friend' like you gloating over how 'crazy' and 'rubbish' my financial decisions are?Haven't you got better things to do with your time?I'm also struck by the 'I told you so' or 'do this/do that' on this thread, more than a whiff of the control freak/'wise old sage' ... Think about how crap it would sound and what your thoughts would be if some eejit said it to you.
  11. Ha ha ha - I laughed when I saw the original criticism about Cardiff from George FTB (moved to the area for his job).Well said.We Welsh are led to believe that the city is the pinacle of living, but as Gruffydd points out above, the job situation is generally actually bloody dire.How the hell FTB's actually earn enough to afford somewhere like Splott is anyone's guess. Splott used to be full of 'real' Cardiffinans and is a traditionally working class area, but now supposedly defines social climbing, chi-chi lifestyles and middle class values for young professionals.If you graduate from Grangetown to Splott (pronounced with silent T's ), apparently, you're doing damn well.Have you seen the place?!!Looks like a Lowry painting in the Winter. I suggest we all wake up and smell the coffee - a lot of areas of Cardiff are pretty far from great (all the ones most of us may consider - the others are out of bounds for most).As George said, we're being sold down the river by the EA's who try to change water into wine by hypnotising us into thinking that the house we see is 'gorgeous'.
  12. Quote: Hopeful FTB: 'Prices in cardiff are very unsustainable in my opinion- poxy terraces in roath that were 60k 5 years ago are going for 200k and really horrible ex- local authority places in whitchurch (which is a very overrated area I reckon) are going for 250k! Just dont get it- the whole city has gone mad! I have mentioned this before aswell- what is the average wage in cardiff?' I've been watching this site for several years now, and sold a house in the valleys in 2004 for almost double what was paid for it.I've also been watching this type of quote repeated over and over again on the site with regards to Welsh prices generally.As much as I agree with the sentiment (ie Welsh average wages) the bubble just isn't bursting, as much as we would like to will it to be unsustainable!Someone is buying these houses!I know the Western Mail talks some right b""""s at the best of times, but I don't think this is rhetoric at all.Prices are holding, and rising again (albeit a lot slower than the projected 10%, like the WM likes to think).It's far from over yet folks...
  13. I'm fairly sure that the law has changed in regard to this situation, to be honest.It used to be that living in a house where people had defaulted on pay/re-payments, ordered hundreds of pounds of white goods and done a bunk etc etc had this effect, but no more, I'm led to believe.It's to do with somthing called ''financial dissassociation'', and was started by the government for exactly the reasons you're highlighting - i.e. no-one could get credit as previous occupants messed it up.I ordered a copy of my credit file recently and was asked if I would 'like' to provide details of my partner, with whom i co-habit.I declined, as this would have linked me with my partner through financial association (beware this sting if you're not married, you have no legal responsbility to do so).The Citizens' Advice Bureau are great with this sort of thing.Anyone know any more about this?
  14. Great idea for a poll, and some interesting points made by posters, until... page 4, when Sledgehead and the Duke of Hazard start indulging themselves with some extremely boring, pompous and pointless exchanges.Why not personal message each other and spare the rest of us?I suspect this is a futile dream though as you both obviously require a 'stage' to showcase your grasp of the english language, and how well you can use it to make the other look an ass. Anyway, back to the original point.As many others have said in this thread, higher education qualifications are now ten a penny - the world and his wife have a degree these days.On average, your degree is unlikely to earn you more than 12K in your first year following graduation (unless it's vocational).I think people choosing their degrees are becoming a lot more savvy now as they have to be, which is why they're scrapping many subjects in Unis all over the country due to falling demand.If I was applying now for a course, I'd never do the degree I chose.I was lucky enough to get a grant for mine (last years of the grants system), and wouldn't fancy paying up to 15K for the course.I'd definitely choose something vocational, which is what I'm having to do now anyway via a postgrad course. Despite this, I loved doing my degree and feel very priveleged to have been able to do it.It seems like an incredible luxury when many people in the world can't afford a cooking pot, the ingredients for a meal, or face being blown to pieces/shot when going about their daily business.
  15. The prices in Milford, Pembroke and P Dock, Neyland etc are not as dirt cheap as they used to be.I know a couple of people who were investing there nearly 2 years ago as the Marina was on the horizon, and prices have shot up.I don;t think there is a 'cheap' place in Pembs any more, unless you happen to be earning a damn sight more than most of the locals earn (which as you point out, is b*****r all).Locals are not even in the game as far as 'competing' goes.There are no jobs in Pembs, several big closures of industry in the past decade have left it stagnant.This is why it drives locals bonkers (in many parts of wales) when people sail in and buy up second homes for use 1 or 2 months a year.They foot the bill for services through (full rate) council tax, while the economy gets worse and worse, as many younger people migrate to the cities.People who stay are lucky to be able to afford a decent rented home, as rents have also gone up.The same is true of Devon and Cornwall.Before anyone says anything, it isn't an 'English immigrants' thing though, it's a capitalism thing.Some people have lots of cash, others don't.Plenty of Welsh people come and buy in beautiful parts of Wales after making a tidy profit from selling in other parts.Who said this housing boom was fair?
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